Automate interest rate, prepayment and pipeline risk management for fixed-rate loan portfolios.
Overlay
Markets
MicroRates
Rates, currencies and certain financing products are provided by NatWest Markets Plc and its subsidiaries. For more information please visit our ring-fencing page.
Risk management
Automate hedging with tailored swaps that match your portfolio’s risk profile.
Information Message
Hedge alignment
Use balance-guaranteed swaps to align hedges with actual loan notional.
Information Message
Transparent pricing
View fixed spreads and full pricing breakdowns directly in the app.
Information Message
Improved efficiencies
Upload, reconcile, and approve trades in minutes with minimal manual input.
Information Message
Automates interest rate risk hedging with minimal manual input.
Information Message
Supports granular, asset-level hedging tailored to your portfolio.
Information Message
Provides APIs to integrate with your loan pricing models for seamless operation.
Information Message
Provides transparent pricing with daily indicative rates.
Information Message
Provide loan data through manual or automated file uploads.
Information Message
For clients who:
- Have interest rate, prepayment, or pipeline risk that you want to manage efficiently.
- Prefer to lock in your lending margin and focus on core business.
- Need a scalable, automated solution that integrates with your existing data processes.
Information Message
Considerations:
- Designed for passive interest rate hedging, not speculative trading.
- Clients must review and approve hedge profiles before execution.
- Subject to trading documentation and regulatory requirements.
- Subject to service agreement and ISDA-based hedging terms.
- Breakage costs may apply to early termination of hedging.
Information Message
How it works
-
01
Upload portfolio data
Provide your loan level asset data via manual or automated file upload.
-
02
Validate and reconcile
MicroRates validates your data and generates a reconciliation report for review and approval.
-
03
Submit Hedge profile
Review the proposed updated swap profile and submit it to the NatWest trading desk for execution.
-
04
Approve and execute
NatWest review and confirm the trade, executing it based on your pre-agreed parameters.
-
05
Track performance
Use detailed MI reporting tools to monitor hedge effectiveness, pricing, and asset-level performance.
